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Citizens State Bank

Buffalo, TX
IDRSSD: 54656
Total Assets
$950.34M
Latest filing
Total Deposits
$1.00B
Latest filing
Net Interest Margin
1.88%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1925
Community BankNo
Ownership TypeNot Mutual
ZIP75831
State and County Number48289
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number11
Numeric code21
Insured by FDICInstitution closed or not insured by FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameN/A

Operational Info

Number of Employees105
Domestic Offices12
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date07/01/2025
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
WebsiteN/A
Data Updated11/28/2025
CERT12501
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$950.34M
Total Deposits$1.00B
Total Liabilities$1.01B
Total Equity Capital$-60,395,000
Net Income$517.00k
Net Loans and Leases$239.06M
Assets Per Employee ($Millions)$9.05M
Bank Premises and Fixed Assets$7.74M
Cash and Balances due from Depository Institutions$62.49M
Deposits Held in Domestic Offices$1.00B

Key Performance Ratios

Return on Assets (ROA)0.21%
Return on Equity (ROE)-3.75%
Net Interest Margin1.88%
Efficiency Ratio85.37%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets-6.355%
Earning Assets to total Assets94.91%

Income and Expense

Total Interest Income$9.87M
Total Noninterest Income$956.00k
Total Interest Expense$5.44M
Total Noninterest Expense$4.67M
Net Interest Income$4.43M
Pre-tax Net Operating Income$711.00k
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets—
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$8.17M
Total Liabilities and Capital$950.34M

Securities

Securities$609.14M
Available-for-sale debt securities$609.14M
Equity securities with readily determinable fair values not held for trading—
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Citizens State Bank?
$950.34M as of the latest filing.
How much are Citizens State Bank's total deposits?
$1.00B in total deposits.
Where is Citizens State Bank located?
Buffalo, TX.
What is the Net Interest Margin?
1.88%.
How many domestic offices does it operate?
12.
When was it established?
01/01/1925.
What is the Return on Assets (ROA)?
0.21%.
How much are total loans and leases?
$239.06M (latest filing).
What is the total interest income (latest filing)?
$9.87M.